We compared 8 companies sending money from the United States to Kenya. WorldRemit is the best and cheapest, while TapTap Send is the fastest.
Sending $7,000 with WorldRemit gets your recipient 915,806.88 KES at 130.8481 KES per USD.
| 8 of 8 providers Last updated on 28 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/KES transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $73.08 1 USD = 129.6000 KES +0.02% vs mid-market | Recipient gets KES 897,729.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $73.081 USD = 129.6000 KES KES 897,729.00You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 126.6092 KES +2.35% vs mid-market | Recipient gets KES 886,264.40 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 126.6092 KES KES 886,264.40You pay$7,000.00 | |||
Run a live search Showing top United States to Kenya deals for 7,000 USD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live USD to KES rates. | |||
Run a live search These companies offer multi-currency accounts for spending KES. We suggest doing a live search based on how much USD you're planning to spend in Kenya. | |||
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal. | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $0.99 1 USD = 130.8481 KES -0.94% vs mid-market | Recipient gets KES 915,806.88 Minutes - 2 days | |
Ways to receive money in Kenya with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days $0.991 USD = 130.8481 KES KES 915,806.88You pay$7,000.00 Card depositMinutes - 2 days Free1 USD = 128.1059 KES KES 896,741.44You pay$7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 129.2958 KES +0.25% vs mid-market | Recipient gets KES 905,070.69 Minutes - 3 days | |
Ways to receive money in Kenya with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 USD = 129.2958 KES KES 905,070.69You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 129.2699 KES +0.27% vs mid-market | Recipient gets KES 904,889.22 Minutes - 24 hours | |
Ways to receive money in Kenya with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 129.2699 KES KES 904,889.22You pay$7,000.00 | |||
| Only available via Mobile App  Sendwave Pay via Debit card | Fee $0.49 1 USD = 128.9063 KES +0.55% vs mid-market | Recipient gets KES 902,281.01 Minutes - 3 days | |
Ways to receive money in Kenya with Sendwave when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days $0.491 USD = 128.9063 KES KES 902,281.01You pay$7,000.00 Mobile moneyMinutes - 3 days $0.491 USD = 128.8545 KES KES 901,918.57You pay$7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee $0.99 1 USD = 128.4023 KES +0.94% vs mid-market | Recipient gets KES 898,816.10 Minutes - 24 hours | |
Ways to receive money in Kenya with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $0.991 USD = 128.4023 KES KES 898,816.10You pay$7,000.99 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 127.6550 KES KES 893,585.00You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $1.991 USD = 127.6120 KES KES 893,284.00You pay$7,001.99 Cash pickupMinutes - 24 hours $75.991 USD = 127.4787 KES KES 892,350.90You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee $105.00 1 USD = 128.4023 KES +0.94% vs mid-market | Recipient gets KES 898,816.10 Minutes - 24 hours | |
Ways to receive money in Kenya with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $105.001 USD = 128.4023 KES KES 898,816.10You pay$7,105.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $1.991 USD = 127.6560 KES KES 893,592.00You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 127.6200 KES KES 893,340.00You pay$7,074.99 Cash pickupMinutes - 24 hours $5.991 USD = 127.4787 KES KES 892,350.90You pay$7,005.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 128.4023 KES +0.94% vs mid-market | Recipient gets KES 898,816.10 Minutes - 24 hours | |
Ways to receive money in Kenya with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 128.4023 KES KES 898,816.10You pay$7,210.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 127.6550 KES KES 893,585.00You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 127.4787 KES KES 892,350.90You pay$7,179.99 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 128.3000 KES +1.02% vs mid-market | Recipient gets KES 898,100.00 Minutes | |
Ways to receive money in Kenya with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutesAvailable via:Airtel, M-PESA Free1 USD = 128.3000 KES KES 898,100.00You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $73.08 1 USD = 129.6000 KES +0.02% vs mid-market | Recipient gets KES 897,729.00 Within minutes | |
Ways to receive money in Kenya with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $73.081 USD = 129.6000 KES KES 897,729.00You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 126.6092 KES +2.35% vs mid-market | Recipient gets KES 886,264.40 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 126.6092 KES KES 886,264.40You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 126.2563 KES +2.63% vs mid-market | Recipient gets KES 883,794.10 Minutes - 24 hours | |
Ways to receive money in Kenya with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 126.2563 KES KES 883,794.10You pay$7,060.79 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 126.6092 KES +2.35% vs mid-market | Recipient gets KES 881,833.08 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 126.6092 KES KES 881,833.08You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 126.6092 KES +2.35% vs mid-market | Recipient gets KES 859,676.47 Minutes - 24 hours | |
Ways to receive money in Kenya with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 126.6092 KES KES 859,676.47You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 129.6199 KES Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then WorldRemit is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with WorldRemit.
For large transfers using a broker like Key Currency is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
You have 4 ways to pay for your transfer to Kenya, including debit card, bank transfer, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
How much USD you send to Kenya heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $500 | 0.30% | $0.00 | KES 64,652.85with bank transfer to bank deposit | +KES 3,050.96 | |
| $2,000 | 0.29% | $0.00 | KES 258,611.40with bank transfer to bank deposit | +KES 5,192.53 | |
| $5,000 | -0.89% | $0.99 | KES 654,110.76with debit card to mobile money | +KES 17,051.98 | |
| $7,000This page | -0.94% | $0.99 | KES 915,806.88with debit card to mobile money | +KES 21,045.87 | |
| $10,000 | -0.89% | $0.99 | KES 1,308,351.06with debit card to mobile money | +KES 30,895.70 |
Mid-market rate: 1 USD = 129.6199 KES
There are 8 companies available for sending money from the US to Kenya, across app, broker, online, in person, multi-currency account, and global account, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
WorldRemit charges $0.99 on a $7,000 transfer with -0.94% markup, saves your recipient's details for next time, and KES arrives in minutes - 2 days.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 898,816.1 KES in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Kenya.
Of all online companies listed here, MoneyGram gets you the most KES per USD.
On a $7,000 transfer, you will get 898,816.1 KES after a $0.99 fee and 0.94% markup.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Kenya (e.g. a property purchase, tuition, or moving to Kenya), a broker like Key Currency charges no fee, gives you a dedicated account manager, and adds 0.25% markup on USD/KES that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving KES.
This is useful for traveling to Kenya, building up KES balance, or receiving payments in KES.
Wise converts $7,000 at 0.02% markup plus small fee and holds the KES until you spend it.
With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending $7,000 gives your recipient 915,806.88 KES.
Deposit USD by debit card, bank transfer, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but the it may take some time for it to clear before a money transfer company can send the money to Kenya.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 898,816.1 KES on $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Kenya.
Your recipient in Kenya can collect KES through bank deposit, mobile money, card deposit, mobile wallet, and cash pickup.
They can collect cash in Kenya
Your recipient can collect KES from a participating MoneyGram location in Kenya.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
KSh915,807
Cheapest
You pay $7,000.00
KSh905,071
-KSh10,736
You pay $7,000.00
KSh902,281
-KSh13,526
You pay $7,000.99
KSh898,816
-KSh16,991
You pay $7,105.00
KSh898,816
-KSh16,991
You pay $7,210.00
KSh898,816
-KSh16,991
You pay $7,000.00
KSh896,741
-KSh19,065
You pay $7,177.99
KSh893,585
-KSh22,222
You pay $7,074.99
KSh893,340
-KSh22,467
You pay $7,075.99
KSh892,351
-KSh23,456
You pay $7,005.99
KSh892,351
-KSh23,456
You pay $7,179.99
KSh892,351
-KSh23,456
You pay $7,060.79
KSh883,794
-KSh32,013
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Kenya
The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 915,806.88 KES, which is 1.17% more than the next best option.
Fastest way to send money to Kenya
The fastest option is TapTap Send. Pay by debit card and choose mobile money for the payout. Your recipient gets 898,100 KES, with the money arriving in minutes.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, WorldRemit is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Kenya.
While WorldRemit may not always be the cheapest or fastest way to send KES, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much KES your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 129.730247 KES
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Kenya and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Kenya.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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